Personal Finance & Passive Income
Build Wealth. Earn Passive Income.
Real-portfolio reviews, comparisons, calculators, and guides for European investors. 9+ years of P2P lending and dividend investing experience, distilled into a curated library.
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Each hub aggregates the platform reviews, comparisons, and guides for that category.
P2P Lending
9 years of investing across European P2P platforms. Reviews, comparisons, and the curated list of platforms that earned their place.
Dividend Investing
UCITS-compliant ETFs, individual stocks, dividend aristocrats, and the math behind living off dividends as a European investor.
Financial Independence
FIRE for European investors. The math, the variants (Coast, Lean, Fat, Barista), and the practical roadmap to early retirement.
Real Estate Crowdfunding
Property exposure without buying property. EstateGuru, Housers, Reinvest24 reviews plus the structural difference between debt and equity models.
European Investing
The full European-resident investor toolkit. Brokers, ETFs, country-specific tax shelters, and the cross-cuts US-focused content always misses.
The money pages
Best-of curated lists
The platforms I'd actually recommend after testing them. Updated annually.
Best European P2P Lending Platforms 2026
My curated list of 11 platforms that survived the 2020-2022 consolidation, ranked by my actual experience.
Best European Real Estate Crowdfunding 2026
Property-backed debt and equity-style platforms compared honestly. EstateGuru, Housers, Reinvest24, and others.
Best European Brokers 2026
DEGIRO, Trade Republic, Interactive Brokers, eToro, Trading 212 — which is right for your specific situation.
Best Dividend ETFs for European Investors
UCITS-compliant dividend ETFs available on European brokers. VHYL, EUNK, ZPRG, and the strategy behind picking.
Latest articles
Latest from the blog
In-depth platform reviews and how-to guides.
Viainvest Review 2026: Honest Take After 2+ Years and 11.83% Returns
An honest Viainvest review based on 2+ years of personal investing — Latvian licensed P2P platform with strict 60-day buyback guarantee, my actual 11.83% net yield, and how it fits alongside Mintos in a diversified P2P portfolio.
Ventus Energy Review 2026: Renewable-Energy Crowdfunding Honestly Assessed
An honest Ventus Energy review — Latvian platform that finances wind, solar, and biogas energy projects across Europe with bond-like investor returns. The structural model, real returns, regulatory tailwinds, and how it fits in a European real-asset portfolio.
Twino Review 2026: Honest Take After 5 Years and 10.94% Returns
An honest Twino review based on 5 years of personal investing — Latvian P2P platform with €1B+ in loans funded, my actual 10.94% XIRR-calculated return, and the structural model that's worked through the 2020-2022 P2P consolidation.
Free tools
Calculators for European investors
Interactive, EUR-denominated, with European tax adjustments built in. No US-defaults.
FIRE Calculator
How many years until financial independence — adjusted for European tax during withdrawal.
Coast FIRE Calculator
How much you need today so compounding alone gets you to retirement, no further contributions required.
Dividend Calculator
Project forward dividend income from your portfolio with European tax-adjusted, dividend-growth-aware projections.
Compound Interest Calculator
EUR-denominated compound projections with monthly contributions and after-tax view for European residents.